Call reports 2008
RELIANT BANK — 2008
What RELIANT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 237,738,000 | 275,952,000 | 281,104,000 | 317,114,000 |
| Total loans | 173,782,000 | 196,151,000 | 211,125,000 | 255,349,000 |
| Allowance for loan losses | 2,171,000 | 2,457,000 | 2,639,000 | 3,191,000 |
| Securities available for sale | 52,062,000 | 58,267,000 | 55,219,000 | 53,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,876,000 | 218,106,000 | 216,442,000 | 237,469,000 |
| Interest-bearing deposits | 168,116,000 | 207,710,000 | 190,097,000 | 206,013,000 |
| Noninterest-bearing deposits | 10,760,000 | 10,396,000 | 26,345,000 | 31,456,000 |
| Equity capital | 30,119,000 | 27,675,000 | 29,027,000 | 31,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,499,000 | 6,993,000 | 10,931,000 | 15,090,000 |
| Interest expense | 2,115,000 | 4,080,000 | 6,172,000 | 8,249,000 |
| Net interest income | 1,384,000 | 2,913,000 | 4,759,000 | 6,841,000 |
| Noninterest income | 137,000 | 346,000 | 533,000 | 639,000 |
| Noninterest expense | 1,656,000 | 3,366,000 | 5,108,000 | 7,102,000 |
| Provision for loan losses | 303,000 | 748,000 | 1,063,000 | 1,646,000 |
| Pretax income | -105,000 | -371,000 | -274,000 | -581,000 |
| Income tax | 11,000 | 5,000 | 13,000 | 21,000 |
| Net income | -116,000 | -376,000 | -287,000 | -602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,862,000 | 28,666,000 | 28,802,000 | 29,018,000 |
| Total capital | 31,033,000 | 31,123,000 | 31,441,000 | 32,210,000 |
| Risk-weighted assets | 185,053,000 | 220,804,000 | 231,575,000 | 271,496,000 |